BUYING a ₹2.5Cr HOUSE: A Complete PLAN | Money Matters Ep. 28 | Ankur Warikoo Hindi

If you wish to be part of the Money Matters series, please fill up this form: forms.gle/uj9J...
Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
In this episode of Money Matters, I sit down with Amod, a professional from Bangalore, to discuss his financial journey and plan for buying a ₹2.5 crore home. We dive deep into his current financial situation, including his impressive monthly income, smart spending habits, and existing investments. Together, we craft a strategic 10-15 year plan that could potentially turn his ₹1 lakh monthly investment into a ₹9.6 crore corpus.
I break down the importance of balancing safe investments like PF with aggressive market plays, and explain why waiting until his late 30s to buy a home could be financially advantageous. This episode is packed with practical advice on SIPs, asset allocation, and long-term financial planning that's valuable for any young professional looking to build wealth and achieve their dream of homeownership.
Want to join me on the show? Fill this form and my team will reach out to you: forms.gle/uj9J...
00:30 About Amod
01:58 Amod's expectations from Money Matters
04:27 Current financials
14:15 5, 10 and 15 year plan
26:50 Should Amod play safe?
31:32 Conclusion
#FinancialPlanning #MoneyMatters #warikoo
------------------------------------------------------------------------------------------------------------------------------
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Let’s connect online:
🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.c...
📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.c...
📱 Instagram: / ankurwarikoo
🐦 Twitter: / warikoo
👨🏻‍💻 LinkedIn: / warikoo
😄 Facebook: / awarikoo
🖋 Daily Blog: ankurwarikoo.c...

[@warikoo]

If you wish to be part of the Money Matters series, please fill up this form: forms.gle/uj9JPUBp8Wo9nZQi7 Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. - So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. - I am not selling any product or service through these videos. - None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.

[@PintuPatra-tg7jd]

Sir Mya 2 bar form fill up kar leya please reply me

[@rmvkumar]

@warikoo hearing a lot about swp. Can u pls do some videos around swp. How to invest and how to choose swp.

[@navin123ful]

Brother , start investing in Indore now after 30 years your properties in indore give you stability and tension free life than you put all saving in share market for 15 years and sleepless night

[@balajikamalesh3338]

True, Bangalore will be basically unliveable after 20-25 years, don't know why everyone is obsessed with properties in Bangalore

[@SHAHBAZKHAN-ik6gu]

Ankur please upload more daily vlogs 😅 Thanks for inspiring us

[@MillionaireHouseholdFinance]

Sensible, practical advice, beautiful narration, good research, perfect! Thanks for sharing your wisdom!

[@pratiksutar7286]

Sir direct tax code pr video bano

[@arijitmandal007]

Assuming Real estate growth 8% and where as small cap growth 18% for next 15 years, just based on past few years data is not correct. In Bangalore post covid property rate has increased by ~30% per year. Same for rent as well.

[@pkn365]

He might have used on-paper data for real estate...which is far from reality. When he will go out to purchase a house....he will know the difference btw registry amount and actual amount.

[@arunn_kumar]

We also need to consider LTCG at time of withdrawal of large corpus after these years...surely it would be much more than 12.5% then...

[@mithleshgupta8668]

It's exempted under section 54f

[@nanhekumarkeshari8661]

Thank you very much for inspiring and collectively life changing movement

[@NeelChourasia]

45 age me ghr lijiye indore ya banglore me ....50 age me retirmnt swp se full enjoy nd growth of investmnt also ....life me mauj hi mauj.....sahi age me sahi income aur sahi investmnt ...age k sath ...income k sath ...aage bdhte rahiye ....warikoo sir ki planing ekdm correct hogi ....apke advise se bahut youngstrs ko motivation mil ra hai 🎉🎉🎉🎉

[@namangoel2545]

sir when i opt for an sip , i have 2 options 1) using investment apps such as groww , zerodha etc etc 2) using my bank's internet banking so which option should we use to start an sip ?

[@preetisingh9761]

Try to figure out it by yourself. Ample amount of information available on internet. Check what suits your investment style.

[@NIHAL960]

Banks ke website pe regular funds hote hey mostly. Check kr lo if direct hey to koi farak nai pdta kahi se kro invest paise to mf company ke paas hi jayegi. And keep checking your investment on mfcentral once a quarter you should be good

[@gargrishi28]

That smile from Ankur when Amod mentioned ki Rs 50000 ki RD hai @8:39 ! 🤣

[@Tensions197]

Sir kya ME apka thumbnail design karu 😊😊😊

[@sharrygamer31]

Ok

[@amitchawla5124]

It doesn't take into account kids expenses. If they have kids then the mother is not working and their salary cuts into half so 1L investment is not scalable.

[@Yakshith2503]

I can understand this situation..sometimes mother need to take child care upto 2 years..and have to take sabotage leave

[@gaganmanchanda618]

Bhai, Please buy immediate your house chota or big , use this SIP thingy to pay for your loan EMI , don't look for his advice ! If you delay for more 5 years , you will never be able to buy anything!

[@thesyedrehan1739]

I have a salary of 25K, out of 1200 petrol exp, 7100 bike EMI which is for 36 months, 6000 fixed house expenses and the last medical 2000 exp. Please advise how can I clear my EMI as soon as possible with some savings.

[@anshumankapoor1727]

I like this guy. very clear about everything

[@abhishekjain3209]

Over the 10 to 15 years , livelyhood expense bhi toh bhadega . Rent , grocery and all

[@Amitsingh-1532]

Sip bank se Lena tek hoga sir ya angala or grow

[@athosplace637]

I think this information is enough for hackers ...

[@savankagathara2799]

Please make video on RSU vs ESOP vs ESPP and there taxation , loved your video ❤️

[@vipanchika5059]

Thank you sir it is inspiring me

[@shiboopoudal6853]

Isko call me ake sabko ye btana tha kya ki ye log 1.5 lakh savings kar rha hai. And Ankur kindly pick those people who need your help. This guys is already settled and handsome savings as well.

[@elevatedesigner]

it's not good according to banglore

[@xeradKing]

He doesnot need investment plan his plans already good....

[@trivedidevarshi1229]

sir 25-5-40-30 rule ke hisab se me jokey ki chaddi afford kr sakta hu kya😔😔😔

[@sisirarout8899]

Always Waiting for your new Videos Sir❤❤

[@arunn_kumar]

Need video on RSU's taxation and other nuances around it please

[@Dust005]

hello sir and anyone reading this i just have graduated my bca degree and i was applying for job here and there but I am unable to get a proper response please tell me if there are any jobs available or how or where should I apply

[@memeshab1]

Sir m 150 rupya kmata hu kitne ki sip kru ek crore dekhne k liye

[@KanjiswithAbhishek]

50rs ki karo

[@45super]

Bhai tum life enjoy karo😊

[@Prasanna2703]

Na bhai 15-18,000/- ka sip karo

[@RahulsMind]

Increase your income

[@doubtkida3629]

Bhai itna amir h Tu tujhe sip ki jarurat ni h

[@srivastav3684]

please add timestamps

[@chandu2603-super]

May you make a video on how to start. Trading ?

[@thomasaddition4210]

I won't recommend trading, because, it has nothing to do with logics or learning. It's just betting and predicting. I have ended up loasing money after learning many concepts. PLS BE AWARE.

[@shubhamprakashJha]

What about rent increase at 5-6% in city like bangalore for those investment period

[@starplayer5551]

Ankur do you talk and suggest some good tips for free. If yes then pls help me I am just 16 and I want to know what should I start at 18

[@OnomeJking]

I always look up your videos for update! Our government has no idea how people are suffering these days. I feel for people with disabilities not getting the help they deserve. Thank you Mrs Trisha , imagine investing $1000 and receiving $5,300.🎉🎉

[@CherylMorales-u5x]

You're correct!! I make a lot of money without relying on the government. Investing in stocks and digital currencies is beneficial at this moment.

[@CherylMorales-u5x]

123k from Mrs Trisha. looking up to acquire a new House, blessings🥰❤️🎉

[@AnthonyLee-g8y]

please educate me, I've come across this name before, Now i'm interested

[@AnthonyLee-g8y]

Please is there any link or information about her, how can I reach her?

[@afreedD.C]

Get her on

[@dr.mitbhavsar3086]

I think the right age to buy a house for one is in mid 30s if they can afford it.

[@shahidimam6080]

Good evening, sir i sent the form multiple times but didn't get your reply.i am watching almost all your video and shorts.Need your urgent guidance please 🙏 🙂 😢

[@neonnex7551]

Why don't KZbin delete his channel.... It's frustrated 🥴

[@sumitkumarmishra3140]

I bet he will not wait for the next 12 years to buy house 26:18

[@sudip1992sudip]

10k shallery me kuch hoga kyaaa😢😢😢

[@Amitlalshah]

Ankur you didn't count the rent he will be saving after buying house...

[@AKASH3346-]

Same same content ankur sir, please make some different like ETF investing,etc now we all your regular views are boring ❤i think you reply my coment and think about my coment.make this type of videos with those man who earned 40-50K because most of your views earned it. At last love you sir from your video in my age 19 i start investing.

[@Mispoojaguptatrader]

sir main money matter ke liye form bahut din se bhara hu sir please mere se bhi bat kar lijiye sir please thank you sir

[@NewsHuntsIndian]

Please go out of Bangalore

[@CHIRO_and_CUPPING_ROOM]

Iss age pe ghar nahi liya bt bhai woh 30000 ka rent toh bhar raha hai ghar ka emi chale jata 30000 mey

[@VICTORCHAMPION786]

Mutual Fund Account Direct Bank se Open karwaye ya Thiry Party App se Open karwaye like gross, Zerodha, Angel Please Give Me Answer Sir 😊

[@investments_360]

Third party se .. Banks will sell regular plan not direct plan

[@VICTORCHAMPION786]

@@investments_360 Thank You for Guidance but what are the advantages of third party app

[@sagarskagrahari7146]

10500 ka sip karta hu 1 cr tak kitna time lage ga

[@CHIRO_and_CUPPING_ROOM]

35000rs 2 log ka kharcha kya khata hai bhai

[@RX-Ani]

60 years baad flat khaeedke kya phaydha

[@arijitghosh4016]

Vai lakh puchka confirm kardia kunki idhar carod ka nicha bat hi nahi hotiha😂

[@pankajbudhija]

LOL, 8% increment on property each year?? Come and see In Gurugram Brother, each year, property is getting appreciated at 30-40%/year from last 3 years. The property which I bought in 2021 is now double. That 8% appreciation calculation, I don't think will work in city like Bangalore. Totally wrong. The house which is 2.5cr now in Bangalore, in 10 year, it will be 8-10cr easily.

[@khalidahmed9977]

Kyaaa middle class discussion...faltu ka ... Arey accha khasa salary hai ... Do some sode hustle..grow something big ... 2.5 cr Ghar agar goal hai then adha life house achieve karne mein hi chala jayega...

[@haneesha135]

What abt tax on sip ,stocks investment if gains more than 1 lakh😂😂

[@kankanachattopadhyay817]

Kitna bhi paise income karo gareeb hi rahenge ghar gari kharid ke.koi bhi insaan account me jyada paisa tolarate nehi kar sakte.kuch na kuch karna hain😅😅

[@Amitojsinghjuneja]

Sir main kitni baar apka form fill kr chuka hu but aap kuch kyo ni kr rahe

[@dhawaljain3837]

kyuki tu na badal salary batata hai na chota bich wale nai chahiye sad story bata

[@survivingbanking3531]

Which insurance company is giving 5 crore term plan at 42k per year 😐

[@pritishraj3933]

Tata aia

[@akashsharma1134]

Yes Tata AIA. I bought it 2 years back for 4.5 CR

[@Prasanna2703]

Sorry ankur sir I suggest u to visit eye specialist once. Of late ur frequently touching ur eyes.

[@arian-m6z]

frist

[@Uda_dunga]

2017 se job fake lag rha h mujhe ye

[@soumyahi]

Kyun

[@Anuragkumar-s1c8u]

Sir, i need your suggestion.... I am super confused. pls help me pls. pls. pls add me in money matters